Good point about not having unrealistic returns from equity. All we need to beat is the inflation and not chase returns. If inflation is low, the corpus needed for your goals will also be low and you will be able to afford it irrespective of the returns %
I picked up best 3 principles by you that I always keep in my mind when it comes to investments. 1. Invest when you can ,SIP wont make a difference its just like emi. 2. Invest as much as you can andd atleast 75 % of your expenses , it can be more but if you want to achieve financial independence you have to invest atleast this much . 3. Asset allocation- No matter whatever your age , asser allocation is very necessary as it helps your portfolio to don’t fall much when the equity market is sideways or downwards, fixed income works like shock absorbers. As per my age i keep fixed income allocation 7-10% currently. Thank you.
Daily video makes newbies super confused in future. A structure way of playlist makes crystal clear. If in case of daily video, have option of shorts in RUclips.
What is meant by "put an effort to make the portfolio work" ? Tracking performance of the portfolio? Churning out funds that are not performing at that particular time? Or something else?
Determine initial asset allocation Rebalance when there is at least 5% deviation Have a plan to reduce equity exposure as the goal nears and stick to it
Hello sir, it may be a silly qns to ask but still I want to know--do really compounding works in long run. Why I am asking bcoz if we calculate in excel sheet or the finance related calculators, the figures are so large that it feels like unrealistic. If possible can you please make a video on those topics sip, step up sip, swp to explain compounding power. Thank u
Yes i guess most investors understand that there are no guaranteed returns in equities but one finally needs to make an assumption on the expected returns so that they know how much to invest today to meet a goal say 7 years down the line. Hence, if an exact return assumption can't be shared, atleast some pointers on what parameters to consider to make that assumption would be great. Thanks.
@@pattufreefincalguess that's one of the reasons why you are doing these reels. So any pointers on the parameters you consider for the assumption on equity returns needed to decide the investment amount today to meet a goal 7-10 years down the line?
Sir. I have been investing since 2021. But recently i heard something that anything can see its downturn. For example, realestate investment was on limelight but then that sector is struggling to give returns. Will that happen in equity investment too. Because having this in my mind is withholding me from doing further investments. Kindly say something about this.
@@pattufreefincal ok sir. Ups and downs is different but the base of equity investment is the belief that equity will generate wealth in the long run if not in the short term. So the qn is whether should I trust this long run and simply do my investments or not sir. Because 0 or negative return for 2-3 yr is not a problem even for 5 years but it is a problem if that continues for 15+ years
Dear Sir, just started watching your videos and I feel cheated because RUclips never highlighted your channel or brought to my attention - seems like I have missed a lot. One thing I would want to know if there is a video which talks about what all to see for before investing in a particular stock. Please advise.
@@pattufreefincal I have learnt somewhere that if you invest in stocks you are better placed to avoid investing at wrong time and also that you are in control of choosing which business you would want to invest in. Can you please help me understand what is better?
Prof, majority of the people have difficulty in dealing with ambiguity. Ambiguity is there in many facets of life, so they want certainty in investment area atleast 😉 It is a difficult proposition, but one that will reduce lot of heartburn due to lack of over expectation
Good point about not having unrealistic returns from equity. All we need to beat is the inflation and not chase returns. If inflation is low, the corpus needed for your goals will also be low and you will be able to afford it irrespective of the returns %
Vow ❤
Great analysis. Thank you, Dr. Pattu.
Unique way to put hard facts out there and still motivate others.❤
Thank you sir. Explained well
An excellent session.
Good content, sir...
I picked up best 3 principles by you that I always keep in my mind when it comes to investments.
1. Invest when you can ,SIP wont make a difference its just like emi.
2. Invest as much as you can andd atleast 75 % of your expenses , it can be more but if you want to achieve financial independence you have to invest atleast this much .
3. Asset allocation- No matter whatever your age , asser allocation is very necessary as it helps your portfolio to don’t fall much when the equity market is sideways or downwards, fixed income works like shock absorbers. As per my age i keep fixed income allocation 7-10% currently.
Thank you.
Wonderful video... Especially your point on equity has done it's job while the investor has failed...
Daily video - Super exciting sir.
Daily video makes newbies super confused in future. A structure way of playlist makes crystal clear. If in case of daily video, have option of shorts in RUclips.
I am new to ur channel.but now a days I m watching ur channel only.❤
Thanks for the advise. Also advise on stock & fund selection criteria for long term.
See video how to pick stocks without breaking your head
Sir, what is 10 year rolling standard deviations? Does it mean for every possible 10 year investment period the volatility can be some X% ?
Good thanks sir
What is meant by "put an effort to make the portfolio work" ? Tracking performance of the portfolio? Churning out funds that are not performing at that particular time? Or something else?
Determine initial asset allocation
Rebalance when there is at least 5% deviation
Have a plan to reduce equity exposure as the goal nears and stick to it
Hello sir, it may be a silly qns to ask but still I want to know--do really compounding works in long run. Why I am asking bcoz if we calculate in excel sheet or the finance related calculators, the figures are so large that it feels like unrealistic. If possible can you please make a video on those topics sip, step up sip, swp to explain compounding power. Thank u
See
ruclips.net/video/v7zGfjvZVwA/видео.html
Considering you only have a reasonable chance to beat inflation, is it worth the risk of making a lot worse than inflation by loss of principal?
Ok
Yes i guess most investors understand that there are no guaranteed returns in equities but one finally needs to make an assumption on the expected returns so that they know how much to invest today to meet a goal say 7 years down the line. Hence, if an exact return assumption can't be shared, atleast some pointers on what parameters to consider to make that assumption would be great. Thanks.
Most investors are clueless about most things,
@@pattufreefincalguess that's one of the reasons why you are doing these reels. So any pointers on the parameters you consider for the assumption on equity returns needed to decide the investment amount today to meet a goal 7-10 years down the line?
Can I have your appointment to get your guidelines for my financial planning, thanking you in anticipation
I do not offer investment advice
@@pattufreefincalokay Sir Thank you very much for the response
Sir. I have been investing since 2021. But recently i heard something that anything can see its downturn. For example, realestate investment was on limelight but then that sector is struggling to give returns. Will that happen in equity investment too. Because having this in my mind is withholding me from doing further investments. Kindly say something about this.
Kindly reply sir, because I just focus on long-term wealth creation and not short term trading so this fear is very essential to be out from my mind.
All asset classes will have ups and downs. A mix of equity and fixed income will balance each other well
@@pattufreefincal ok sir. Ups and downs is different but the base of equity investment is the belief that equity will generate wealth in the long run if not in the short term. So the qn is whether should I trust this long run and simply do my investments or not sir. Because 0 or negative return for 2-3 yr is not a problem even for 5 years but it is a problem if that continues for 15+ years
Dear Sir, just started watching your videos and I feel cheated because RUclips never highlighted your channel or brought to my attention - seems like I have missed a lot. One thing I would want to know if there is a video which talks about what all to see for before investing in a particular stock. Please advise.
Thank you but why do you need to invest in stocks?
@@pattufreefincal I have learnt somewhere that if you invest in stocks you are better placed to avoid investing at wrong time and also that you are in control of choosing which business you would want to invest in. Can you please help me understand what is better?
BTC ,ETH , SOL Approved as a ETF!! ,, i beleive it will trade indian stock market in 2026 -2028 ! your openion sir ?
Not relevant for me as I do not trade
This was a philosophical than about returns 😅
First viewer 😊
🙏🙏🙏
தமிழிலும் பதிவிட்டால் இன்னும் எளிதாக புரியும் ஐயா...
நன்றி...
Game of probability
No game of chance. Probability must be quantified cant do that here
Anything above 12% is good
Sir, long videos with subra sir.
Are you from Mylapore
Yes
Prof, majority of the people have difficulty in dealing with ambiguity. Ambiguity is there in many facets of life, so they want certainty in investment area atleast 😉
It is a difficult proposition, but one that will reduce lot of heartburn due to lack of over expectation
Very sensible
We have to work for it to happen
😅 my fav line
Just like marriage 😂😂
Second viewer
ha ha!!!!! no guarantee in stay in marriage ........ 😂😂